Retirement Planning Calculator

Plan your golden years with confidence. Calculate how much you need to save monthly to build your ideal retirement corpus and maintain your lifestyle after retirement.

25 Years
Ideal Planning Period
₹5 Cr+
Typical Retirement Goal
75%
Of Current Income Needed

Calculate Your Retirement Needs

Enter your details to create a personalized retirement plan

Conservative returns after retirement

Your Retirement Plan

Enter details and calculate to see your retirement plan

Retirement Planning by Age

Your investment strategy should evolve as you approach retirement

25

Accumulation Phase

Aggressive growth with equity-heavy portfolio

Equity: 80%, Debt: 20%
35

Growth Phase

Balanced approach with moderate risk

Equity: 70%, Debt: 30%
45

Pre-Retirement

Conservative approach reducing risk

Equity: 50%, Debt: 50%
55+

Retirement Phase

Capital preservation with steady income

Equity: 30%, Debt: 70%

Smart Retirement Planning Tips

🏃‍♂️

Start Early

The earlier you start, the less you need to save monthly due to compounding power

💡 Starting at 25 vs 35 can reduce monthly saving by 50%
📈

Increase Contributions

Increase your retirement savings with salary hikes and bonuses

💡 10% annual increase can significantly boost retirement corpus
🛡️

Emergency Fund

Maintain separate emergency fund to avoid touching retirement savings

💡 6-12 months of expenses in liquid funds
🎯

Review Regularly

Review and adjust retirement goals based on inflation and lifestyle changes

💡 Annual review ensures you stay on track

Important Retirement Considerations

Healthcare Costs

  • • Medical expenses increase with age
  • • Consider separate health insurance
  • • Account for 15-20% higher healthcare costs
  • • Factor in medical inflation of 10-12%

Income Sources

  • • EPF/PPF for tax-free returns
  • • Pension plans for guaranteed income
  • • Rental income from real estate
  • • Dividend income from equity

Remember: This calculator provides estimates. Actual retirement needs may vary based on lifestyle changes, healthcare costs, and economic conditions. Consider consulting a financial advisor for personalized retirement planning.